{"id":1726,"date":"2021-07-26T17:39:00","date_gmt":"2021-07-26T09:39:00","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=1726"},"modified":"2026-06-03T14:01:21","modified_gmt":"2026-06-03T06:01:21","slug":"%e5%82%b5%e5%88%b8%e5%9f%ba%e6%9c%ac%e6%80%a7%e8%b3%aa%e4%ba%8c","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=1726","title":{"rendered":"\u3010\u50b5\u5238\u6295\u8cc7\u5165\u9580\u3011\u50b5\u5238\u5230\u671f\u671f\u9650\u548c\u5b58\u7e8c\u671f\u9593\u662f\u4ec0\u9ebc\uff1f\u50b5\u5238\u548c\u5229\u7387\u7684\u95dc\u4fc2\u662f\uff1f"},"content":{"rendered":"\n<p>\u5728\u6295\u8cc7\u50b5\u5238\u6642\uff0c\u5e38\u5e38\u6703\u770b\u898b\u50b5\u5238\u5230\u671f\u671f\u9650\u548c\u5b58\u7e8c\u671f\u9650\u5169\u9805\u6307\u6a19\uff0c\u6295\u8cc7\u4eba\u537b\u5bb9\u6613\u5206\u4e0d\u6e05\u695a\u5169\u8005\u7684\u5dee\u5225\u3002\u672c\u7bc7\u6587\u7ae0\u5c07\u5e36\u60a8\u4e86\u89e3<strong>\u50b5\u5238\u5230\u671f\u671f\u9650\uff08Maturity\uff09<\/strong>\u548c<strong>\u5b58\u7e8c\u671f\u9593\uff08Duration\uff09<\/strong>\u7684\u5dee\u5225\uff0c\u4ee5\u53ca\u5e02\u5834\u7684\u5229\u7387\u8b8a\u5316\u5c07\u5982\u4f55\u5f71\u97ff\u50b5\u5238\u7684\u8868\u73fe\uff0c\u89e3\u91cb\u50b5\u5238\u5229\u7387\u4e4b\u95dc\u4fc2\u3002<\/p>\n\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a href=\"#aioseo-maturity\">\u50b5\u5238\u5230\u671f\u671f\u9650\uff08Maturity\uff09\u662f\u4ec0\u9ebc\uff1f<\/a><\/li><li><a href=\"#aioseo-duration\">\u50b5\u5238\u5b58\u7e8c\u671f\u9593\uff08Duration\uff09\u662f\u4ec0\u9ebc\uff1f<\/a><ul><li><a href=\"#aioseo-\">\u5b58\u7e8c\u671f\u9593\u8a08\u7b97\u65b9\u5f0f<\/a><\/li><li><a href=\"#aioseo-\">\u5b58\u7e8c\u671f\u9593\u5f71\u97ff\u56e0\u7d20<\/a><\/li><\/ul><\/li><li><a href=\"#aioseo-\">\u50b5\u5238\u50f9\u683c\u548c\u5229\u7387\u70ba\u4ec0\u9ebc\u6210\u53cd\u6bd4\uff1f<\/a><ul><li><a href=\"#aioseo-89\">\u5982\u679c\u4e00\u5e74\u5f8c\u5e02\u5834\u6b96\u5229\u7387\u4e0a\u5347\uff0c\u5f9e 8% \u4e0a\u5347\u5230 9%\uff0c\u5c0d\u5c0f\u83ef\u8207\u5c0f\u660e\u7684\u5f71\u97ff\u53c8\u5982\u4f55\u5462\uff1f<\/a><\/li><\/ul><\/li><li><a href=\"#aioseo-\">\u5347\u606f\u6216\u964d\u606f\u5c0d\u50b5\u5238\u7684\u5f71\u97ff\u4e0d\u53ef\u5ffd\u8996<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-maturity\">\u50b5\u5238\u5230\u671f\u671f\u9650\uff08Maturity\uff09\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p><strong>\u50b5\u5238\u5230\u671f\u671f\u9650\uff08Maturity\uff09<\/strong>\u5373\u70ba\u50b5\u5238\u767c\u884c\u4eba\uff08\u50b5\u52d9\u4eba\uff09\u5fc5\u9808\u511f\u9084\u6295\u8cc7\u4eba\uff08\u50b5\u6b0a\u4eba\uff09\u672c\u91d1\u7684\u671f\u9650\uff0c\u76ee\u524d\u5e02\u9762\u4e0a\u6240\u767c\u884c\u7684\u50b5\u5238\u5230\u671f\u671f\u9593\u7531\u5e7e\u500b\u6708\u81f3\u5e7e\u5341\u5e74\u4e0d\u7b49\u3002<\/p>\n\n\n\n<p>\u7576\u5230\u671f\u671f\u9650\u4e00\u5230\uff0c\u5373\u8996\u540c\u5408\u7d04\u7d50\u675f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-duration\">\u50b5\u5238\u5b58\u7e8c\u671f\u9593\uff08Duration\uff09\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u4e00\u822c\u800c\u8a00\uff0c\u5b58\u7e8c\u671f\u9593\uff08Duration\uff09\u662f<strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u8861\u91cf\u5229\u7387\u98a8\u96aa\u7684\u6307\u6a19<\/mark><\/strong>\uff0c\u4ea6\u53ef\u5c07\u5176\u60f3\u4f5c<strong><mark style=\"background-color:#e1e8ed\" class=\"has-inline-color\">\u6301\u6709\u50b5\u5238\u7684\u5e73\u5747\u56de\u672c\u6642\u9593<\/mark><\/strong>\u3002<\/p>\n\n\n\n<p>\u5b58\u7e8c\u671f\u9593\u8d8a\u9577\uff0c\u4ee3\u8868\u50b5\u5238\u5c0d\u65bc\u5e02\u5834\u5229\u7387\u654f\u611f\u5ea6\u8d8a\u9ad8\uff0c\u5728\u5229\u7387\u8b8a\u52d5\u6642\u50b5\u5238\u50f9\u683c\u5c07\u6709\u8f03\u5927\u7684\u8b8a\u52d5\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-palette-color-1-color has-text-color has-medium-font-size\" id=\"aioseo-\">\u5b58\u7e8c\u671f\u9593\u8a08\u7b97\u65b9\u5f0f<\/h3>\n\n\n\n<p>\u5be6\u52d9\u4e0a\u5b58\u7e8c\u671f\u9593\u5e38\u6709\u4ee5\u4e0b\u5169\u7a2e\u8a08\u7b97\u65b9\u5f0f\uff0c\u57fa\u672c\u6982\u5ff5\u7686\u70ba\u73fe\u91d1\u6d41\u7684\u52a0\u6b0a\u5e73\u5747\u671f\u9593\uff0c\u55ae\u4f4d\u70ba\u300c\u5e74\u300d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9ea5\u8003\u5229\u5b58\u7e8c\u671f\u9593\uff08Macaulay Duration\uff09<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"786\" height=\"350\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/101-3.png\" alt=\"\u50b5\u5238\u6298\u73fe\" class=\"wp-image-1728\" style=\"width:474px;height:211px\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/101-3.png 786w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/101-3-300x134.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/101-3-768x342.png 768w\" sizes=\"auto, (max-width: 786px) 100vw, 786px\" \/><\/figure>\n\n\n\n<p>\u8209\u4f8b\u4f86\u8aaa\uff0c\u4e00\u6a94\u50b5\u5238\u7968\u9762\u91d1\u984d 100\uff0c\u7968\u9762\u5229\u7387 5%\uff0c3 \u5e74\u5f8c\u5230\u671f\uff0c\u5230\u671f\u6b96\u5229\u7387\u70ba 5%\u3002\u6839\u64da\u4e0b\u8868\u8a08\u7b97\u7d50\u679c\uff0c\u5b58\u7e8c\u671f\u9593\u70ba 2.86 \u5e74\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>\u5e74\u5ea6<\/td><td>\u73fe\u91d1\u6d41<\/td><td>\u73fe\u91d1\u6d41\u73fe\u503c\uff085% \u6298\u73fe\uff09<\/td><td>\u4f54\u50b5\u5238\u73fe\u503c\u7e3d\u548c\u6bd4\u4f8b<\/td><td>\u52a0\u6b0a\u6642\u9593<\/td><\/tr><tr><td>1<\/td><td>5<\/td><td>4.762<\/td><td>0.04762<\/td><td>0.04762<\/td><\/tr><tr><td>2<\/td><td>5<\/td><td>4.535<\/td><td>0.04535<\/td><td>0.0907<\/td><\/tr><tr><td>3<\/td><td>105<\/td><td>90.703<\/td><td>0.90703<\/td><td>2.72109<\/td><\/tr><tr><td>\u52a0\u7e3d<\/td><td><\/td><td>100<\/td><td>1<\/td><td><strong>2.86<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fee\u6b63\u5b58\u7e8c\u671f\u9593\uff08Modified Duration\uff09<\/li>\n<\/ul>\n\n\n\n<p>\u901a\u5e38\u63d0\u53ca\u5b58\u7e8c\u671f\u9593\uff0c\u6295\u8cc7\u4eba\u6703\u60f3\u4e86\u89e3\u5728\u5e02\u5834\u5229\u7387\u8b8a\u5316\u6642\uff0c\u50b5\u5238\u50f9\u683c\u6703\u5982\u4f55\u8b8a\u5316\u3002\u56e0\u6b64\uff0c\u70ba\u4e86\u65b9\u4fbf\u6578\u5b78\u4e0a\u7684\u8a08\u7b97\uff0c\u4fee\u6b63\u5b58\u7e8c\u671f\u9593\u5c07\u539f\u6709\u4e4b\u516c\u5f0f\u4fee\u6b63\u70ba = \u9ea5\u8003\u5229\u5b58\u7e8c\u671f\u9593 \/\uff081 + \u5230\u671f\u6b96\u5229\u7387 \/ \u5e74\u914d\u606f\u6b21\u6578\uff09<\/p>\n\n\n\n<p>\u5ef6\u7e8c\u4ee5\u4e0a\u7bc4\u4f8b\uff0c\u5230\u671f\u6b96\u5229\u7387\u70ba 3%\u3001\u5e74\u914d\u606f 1 \u6b21\uff0c\u56e0\u6b64\u4fee\u6b63\u5b58\u7e8c\u671f\u9593\u70ba 2.86% \/ ( 1 + 3% ) = 2.78%<\/p>\n\n\n\n<p>\u4ee3\u8868\u7576\u5e02\u5834\u5229\u7387\u6bcf\u8b8a\u52d5 1%\uff0c\u9019\u6a94\u50b5\u5238\u50f9\u683c\u9810\u671f\u6703\u8b8a\u52d5 2.78%\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-palette-color-1-color has-text-color has-medium-font-size\" id=\"aioseo-\">\u5b58\u7e8c\u671f\u9593\u5f71\u97ff\u56e0\u7d20<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u96f6\u606f\u50b5\u5238<\/strong>\uff1a\u9867\u540d\u601d\u7fa9\u96f6\u606f\u50b5\u5238\u5728\u5230\u671f\u671f\u9650\u4e4b\u524d\u4e26\u4e0d\u6703\u767c\u653e\u5229\u606f\uff0c\u800c\u662f\u5728\u5230\u671f\u6642\u511f\u9084\u50b5\u5238\u9762\u984d\u3002\u56e0\u6b64\u96f6\u606f\u50b5\u5238\u4e4b\u5b58\u7e8c\u671f\u9593\u548c\u5230\u671f\u671f\u9650\u76f8\u540c\uff0c<strong>\u6240\u627f\u64d4\u7684\u5229\u7387\u98a8\u96aa\u6700\u5927<\/strong>\u3002<\/li>\n\n\n\n<li>\u5230\u671f\u671f\u9650\uff1a\u5230\u671f\u671f\u9593\u8d8a\u9577\uff0c\u5b58\u7e8c\u671f\u9593\u8d8a\u9577\u3002\u4e00\u822c\u800c\u8a00\uff0c\u5b58\u7e8c\u671f\u9593\u591a\u5c0f\u65bc\u5230\u671f\u671f\u9650\u3002<\/li>\n\n\n\n<li>\u7968\u9762\u5229\u7387\uff1a\u7968\u9762\u5229\u7387\u8d8a\u9ad8\uff0c\u5b58\u7e8c\u671f\u9593\u8d8a\u77ed\u3002\u53ef\u60f3\u70ba\u6240\u9818\u5230\u5229\u606f\u66f4\u591a\uff0c\u56e0\u6b64\u5e73\u5747\u56de\u672c\u6642\u9593\u7e2e\u77ed\u3002<\/li>\n\n\n\n<li>\u5230\u671f\u6b96\u5229\u7387\uff1a\u5230\u671f\u6b96\u5229\u7387\u8d8a\u9ad8\uff0c\u5b58\u7e8c\u671f\u9593\u8d8a\u77ed\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u50b5\u5238\u50f9\u683c\u3001\u6b96\u5229\u7387\u548c\u5b58\u7e8c\u671f\u9593\u7684\u8a66\u7b97\u53ef\u81f3<a href=\"https:\/\/www.cnyes.com\/bond\/bondCalculationJS.aspx\" title=\"\">\u9245\u4ea8\u7db2<\/a>\u9032\u884c\u8a66\u7b97\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-\">\u50b5\u5238\u50f9\u683c\u548c\u5229\u7387\u70ba\u4ec0\u9ebc\u6210\u53cd\u6bd4\uff1f<\/h2>\n\n\n\n<p>\u5b58\u7e8c\u671f\u9593\u7684\u516c\u5f0f\u96d6\u8907\u96dc\uff0c\u4f46\u5176\u5be6\u91cd\u9ede\u53ea\u9700\u8981\u8a18\u4f4f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>\u5b58\u7e8c\u671f\u9593\u8d8a\u9577\uff0c\u5229\u7387\u98a8\u96aa\u8d8a\u5927\uff1b\u5b58\u7e8c\u671f\u9593\u8d8a\u77ed\uff0c\u5229\u7387\u98a8\u96aa\u8d8a\u5c0f<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>\u900f\u904e\u4ee5\u4e0b\u6848\u4f8b\uff0c\u76f8\u4fe1\u8b80\u8005\u53ef\u4ee5\u5feb\u901f\u4e86\u89e3\u5229\u7387\u98a8\u96aa\u7684\u5f71\u97ff\uff1a<\/p>\n\n\n\n<p>\u5c0f\u83ef\u53ca\u5c0f\u660e\u7686\u900f\u904e\u8cfc\u8cb7\u50b5\u5238\u9032\u884c\u6295\u8cc7\u7406\u8ca1\uff0c\u5c0f\u83ef\u6301\u6709\u7684\u50b5\u5238\u70ba\u6bcf\u5e74\u914d\u606f\u3001\u7968\u9762\u5229\u7387 8%\u3001\u9762\u984d 100 \u5143\u4e14 5 \u5e74\u5f8c\u5230\u671f\u3002<\/p>\n\n\n\n<p>\u5c0f\u660e\u6301\u6709\u7684\u50b5\u5238\u5927\u81f4\u4e0a\u8207\u5c0f\u83ef\u76f8\u540c\uff0c\u552f\u4e00\u4e0d\u540c\u7684\u662f\u5c0f\u660e\u7684\u50b5\u5238\u662f 20 \u5e74\u5f8c\u5230\u671f\uff0c\u4e14\u76ee\u524d\u5e02\u5834\u6b96\u5229\u7387\u70ba 8%<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-palette-color-1-color has-text-color has-medium-font-size\" id=\"aioseo-89\">\u5982\u679c\u4e00\u5e74\u5f8c\u5e02\u5834\u6b96\u5229\u7387\u4e0a\u5347\uff0c\u5f9e 8% \u4e0a\u5347\u5230 9%\uff0c\u5c0d\u5c0f\u83ef\u8207\u5c0f\u660e\u7684\u5f71\u97ff\u53c8\u5982\u4f55\u5462\uff1f<\/h3>\n\n\n\n<p>\u82e5\u5c0f\u83ef\u548c\u5c0f\u660e\u7684\u9322\u6c92\u6709\u6295\u8cc7\u5728\u50b5\u5238\u4e0a\uff0c\u5247\u4ed6\u5011\u53ef\u4ee5\u76f4\u63a5\u5c07\u8cc7\u91d1\u6295\u5165\u5e02\u5834\u4e26\u4eab\u53d7 9% \u7684\u5e02\u5834\u6b96\u5229\u7387\uff0c\u4f46\u4e0d\u5e78\u7684\uff0c\u5c0f\u83ef\u548c\u5c0f\u660e\u56e0\u70ba\u8cc7\u91d1\u6295\u5165\u5728\u50b5\u5238\u4e0a\uff0c\u7121\u6cd5\u7acb\u5373\u5c07\u9322\u62ff\u51fa\u4f86\u6295\u5165\u3002<\/p>\n\n\n\n<p>\u5c0f\u83ef\u6bd4\u8f03\u5e78\u904b\uff0c\u53ea\u8981\u518d 1 \u5e74\u5c31\u53ef\u4ee5\u62ff\u56de\u50b5\u5238\u9762\u984d\u7684\u91d1\u984d\uff0c\u91cd\u65b0\u6295\u5165\u5e02\u5834\u5229\u7387\u4e2d\uff0c\u800c\u9019\u6bb5\u671f\u9593\u4e2d\u53ea\u80fd\u9818 8% \u7684\u5229\u7387\uff1b<\/p>\n\n\n\n<p>\u5c0f\u660e\u5247\u5fc5\u9808\u7b49\u5f85 9 \u5e74\u6642\u9593\uff0c\u624d\u80fd\u62ff\u56de\u50b5\u5238\u9762\u984d\uff0c\u4e14\u9019 9 \u5e74\u4e4b\u9593\uff0c\u76f8\u5c0d\u65bc\u5e02\u5834\u6b96\u5229\u7387 9% \u800c\u8a00\uff0c\u53ea\u80fd\u9818\u53d6 8% \u7684\u7968\u9762\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u70ba\u4e86\u7372\u5f97\u66f4\u597d\u7684\u5831\u916c\uff0c\u5c0f\u83ef\u548c\u5c0f\u660e\u9810\u8a08\u5728\u7576\u4e0b\u5c07\u50b5\u5238\u8ce3\u51fa\u63db\u53d6\u73fe\u91d1\u518d\u6295\u8cc7\u65bc\u5e02\u5834\u6b96\u5229\u7387\u4e0a\uff0c\u7136\u800c\u5e02\u5834\u4e0a\u7684\u6295\u8cc7\u4eba\u6703\u8003\u91cf\u5e02\u5834\u5229\u7387\u8207\u5c0f\u83ef\u5c0f\u660e\u6301\u6709\u7684\u50b5\u5238\u4e4b\u9593\u7684\u95dc\u4fc2\uff0c\u4f7f\u5f97\u4ed6\u5011\u6301\u6709\u7684\u50b5\u5238\u5728\u5e02\u5834\u4e0a\u50f9\u683c\u4e0b\u8dcc\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"789\" height=\"244\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/101-2.png\" alt=\"\" class=\"wp-image-1727\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/101-2.png 789w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/101-2-300x93.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2022\/03\/101-2-768x238.png 768w\" sizes=\"auto, (max-width: 789px) 100vw, 789px\" \/><\/figure>\n\n\n\n<p>\u5f9e\u5716\u4e2d\u6211\u5011\u53ef\u4ee5\u767c\u73fe\uff0c\u5c0f\u83ef\u548c\u5c0f\u660e\u7684\u50b5\u5238\u5728\u5e02\u5834\u6b96\u5229\u7387\u662f 8% \u6642\uff0c\u50f9\u503c 100 \u5143\uff0c\u4f46\u662f\u7576\u5e02\u5834\u6b96\u5229\u7387\u4e0a\u5347\u5f8c\uff0c\u50f9\u683c\u5206\u5225\u4e0b\u8dcc\u81f3 96.11 \u8207 90.87\uff0c\u5c0f\u83ef\u548c\u5c0f\u660e\u6ce8\u5b9a\u8981\u8a8d\u8ce0\u51fa\u552e\u3002<\/p>\n\n\n\n<p>\u4e0a\u8ff0\u7684\u5c0f\u6545\u4e8b\u5373\u70ba\u8aaa\u660e\u5229\u7387\u98a8\u96aa\u3002\u7576\u5e02\u5834\u5229\u7387\u6539\u8b8a\u6642\uff0c\u5c07\u9023\u5e36\u5f71\u97ff\u50b5\u5238\u50f9\u683c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" 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has-background wp-element-button rwd-btn-link\" href=\"https:\/\/urli.ai\/line\/XpZpxkKi\" style=\"border-radius:50px;color:#ffffff;background-color:#00b900;text-align:center;display:block;box-sizing:border-box;font-weight:700;\">\u7acb\u5373\u52a0\u5165\u963f\u723e\u767c\u5b98\u65b9Line@<\/a>\n    <\/div>\n\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u6295\u8cc7\u50b5\u5238\u6642\uff0c\u5e38\u5e38\u6703\u770b\u898b\u50b5\u5238\u5230\u671f\u671f\u9650\u548c\u5b58\u7e8c\u671f\u9650\u5169\u9805\u6307\u6a19\uff0c\u6295\u8cc7\u4eba\u537b\u5bb9\u6613\u5206\u4e0d\u6e05\u695a\u5169\u8005\u7684\u5dee\u5225\u3002\u672c\u7bc7\u6587\u7ae0\u5c07\u5e36\u60a8\u4e86\u89e3\u50b5\u5238 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